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City · 6,032 residents · Cabo Rojo Municipio, Puerto Rico

Puerto Real , Puerto Rico

In Puerto Real, a typical home is worth $111,800. Compared with all of Cabo Rojo Municipio, typical household income is 15% lower and the typical home value is 10% lower.

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  • Typical home value

    $111,800

    10% below the municipio

    15% below Puerto Rico

    • Puerto Real
    • Cabo Rojo
    • Puerto Rico

  • Typical household income

    $22,542a year

    15% below the municipio

    14% below Puerto Rico

    • Puerto Real
    • Cabo Rojo
    • Puerto Rico

  • Households that own their home

    74%

    1 points below the municipio

    6 points above Puerto Rico

    • Puerto Real
    • Cabo Rojo
    • Puerto Rico

Source: U.S. Census Bureau, Average 2020–2024

Puerto Real is in Cabo Rojo Municipio. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Cabo Rojo Municipio. See the county

Data updated: October 1, 2026 9 official sources

The homes here

Housing in Puerto Real

What homes there are in Puerto Real, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Puerto Real, 9 in 10 homes are single-family detached houses; in Cabo Rojo Municipio, 9.

Year built

In Puerto Real, half of the homes were built before 1987; in Cabo Rojo Municipio, before 1987.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$691 a month

Cabo Rojo Municipio: $791 a month

Without a mortgage

$172 a month

Cabo Rojo Municipio: $162 a month

Owners with a mortgage

41%

Cabo Rojo Municipio: 36%

In Puerto Real, 41% of owners have a mortgage, and their typical cost is $691 a month, against $791 in Cabo Rojo Municipio. Without one it drops to $172.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Puerto Real does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Cabo Rojo Municipio the typical home value rose 16%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePuerto RealCabo Rojo MunicipioPuerto RicoUnited States
Rental vacancy Unreliable estimate4.7%5.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate2.3%2.3%3.4%
People per household 2.612.442.482.53
Drive alone 80%83%83%69%
Carpool Unreliable estimate9%6%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate3%3%
Work from home Unreliable estimate6%6%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Puerto Real has 2.61 people, more than in Cabo Rojo Municipio (2.44).

In Puerto Real, 80% of workers drive alone to work; in Cabo Rojo Municipio, 83%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Puerto Real?

A typical home costs more than the typical income allows

We start with a typical home in Puerto Real, worth $111,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Puerto Real, which is $22,542 a year. For that payment to be 28% of income, a household would need to earn about $35,987 a year.

The calculator's FHA and conventional loan limits are those of all of Cabo Rojo Municipio.

Your numbers

Local data
$

Starts at the typical home value in Puerto Real. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,913 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$882

at 7.18% · 30 years

Loan amount
$109,775
Total interest
$157,941
Paid off in
November 2056

Includes $1,888 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $526 a month

  • Tight

    $526 to $676 a month

  • Hard

    more than $676 a month

    Your payment · 47%

Compared with the typical household income in Puerto Real ($22,542 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$882
Principal & interest$744
Property tax$42
Home insurance$47
FHA mortgage insurance (MIP)$49

You need at least $3,913 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Puerto Real and Cabo Rojo Municipio

Puerto Real is in Cabo Rojo Municipio, Puerto Rico. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Puerto Real's own numbers

Typical home value
$111,800
Typical yearly household income
$22,542
Households that own their home
74%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Cabo Rojo Municipio

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$581

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Cabo Rojo Municipio.

Everything about Cabo Rojo Municipio

Buying

Buying a home in Puerto Real

A typical home in Puerto Real is worth $111,800: 10% below the municipio and 15% below Puerto Rico. With the typical household income in Puerto Real ($22,542 a year), a typical home costs 5.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Puerto Real 5.0 years
  • Cabo Rojo 4.7 years
  • Puerto Rico 5.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Puerto Rico

FHFA publishes no annual price index in Cabo Rojo Municipio. That usually happens when there are too few sales to measure it.

Data not available for this place

Puerto Real next to Cabo Rojo Municipio, Puerto Rico and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Puerto Real $111,800
  • Cabo Rojo $124,800
  • Puerto Rico $131,500
  • United States $332,700
Typical yearly household income
  • Puerto Real $22,542
  • Cabo Rojo $26,408
  • Puerto Rico $26,297
  • United States $80,734
See the full table
Puerto Real next to Cabo Rojo Municipio and Puerto Rico
Measure Puerto Real Cabo Rojo Municipio Puerto Rico U.S.
Typical home value $111,800 $124,800 $131,500 $332,700
Typical yearly household income $22,542 $26,408 $26,297 $80,734
Households that own their home 74% 76% 68% 65%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cabo Rojo Municipio. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Puerto Real

For a typical $111,800 home in Puerto Real, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Puerto Real's rate.

  • FHA, 3.5% down $840a month

    Least cash to close
    Down payment
    $3,913
    Cash to close
    $7,267
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $49

  • Conventional, 5% down $819a month

    Down payment
    $5,590
    Cash to close
    $8,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $53

  • Conventional, 20% down, no PMI $652a month

    Down payment
    $22,360
    Cash to close
    $25,714
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $756a month

    Down payment
    $16,770
    Cash to close
    $20,124
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Puerto Real and for Cabo Rojo Municipio.

Property tax

Data not available for this place

What Puerto Rico publishes Residential exemption (Puerto Rico Municipal Code (Act 107-2020), OGP Virtual Library)

Exemptions and deadlines in Puerto Rico

Flood risk in Cabo Rojo Municipio

FEMA does not publish these numbers by city: they are for all of Cabo Rojo Municipio.

FEMA does not publish these numbers for Cabo Rojo Municipio.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Puerto Real

The Census Bureau publishes no typical rent for Puerto Real. Below are the fair market rents for Cabo Rojo Municipio.

HUD publishes a fair market rent for all of Cabo Rojo Municipio, by unit size. To pay the 2-bedroom one ($581 a month) without spending more than 30% of your income, you would need to earn $11.17 an hour working full time.

HUD fair market rent for all of Cabo Rojo Municipio

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $452 $8.69 $18,080
1 bedroom $455 $8.75 $18,200
2 bedrooms $581 $11.17 $23,240
3 bedrooms $729 $14.02 $29,160
4 bedrooms $764 $14.69 $30,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Puerto Real

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Puerto Real is in ZIP code 00623.

For 2 bedrooms it is $600: $19 more than the fair market rent for Cabo Rojo Municipio ($581).

  • 00623 $600$750

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Puerto Real when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Puerto Real

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Cabo Rojo Municipio. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Puerto Real

No down payment, repair or rent-help program on our list is for Puerto Real or Cabo Rojo Municipio. The ones below are statewide in Puerto Rico: they work in Puerto Real the same as in the rest of the state.

Which programs do I qualify for? All programs in Puerto Rico

  • Pronto pa' tu Casa

    Statewide in Puerto Rico

    Puerto Rico Housing Finance Authority help of up to $45,000 per eligible household (plus $5,000 if you buy in a designated urban center) to buy an existing home; with a mortgage from a participating financial institution. Offered by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

    Type not stated

    See the program Official page

  • Programa HOME: Asistencia directa al comprador

    Statewide in Puerto Rico

    Puerto Rico Housing Finance Authority help, with federal HOME funds, for the down payment (pronto pago) of low- and moderate-income families who buy their primary residence with a mortgage; not repaid if you meet the program's conditions. Offered by Autoridad para el Financiamiento de la Vivienda de Puerto Rico (AFV).

    Type not stated

    See the program Official page

Housing counselors near Puerto Real

The HUD-approved agencies closest to the center of Puerto Real, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Centro de Apoyo Familiar (CAF) PR

    92 Calle La Paz, Aguada · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (301) 328-3292

  • Ponce Neighborhood Housing Services, Inc.

    57 Calle Mendez Vigo, Ponce · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (787) 841-5055

  • Corporacion Desarrollo Economico,vivienda y Salud

    68 Calle Puro Girau, Arecibo · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (787) 879-3300

All counseling agencies in Puerto Rico

Help in Spanish near Puerto Real

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Puerto Real

In HUD’s record, no housing authority with an office in Cabo Rojo Municipio is named for Puerto Real or Cabo Rojo Municipio.

One other authority has an office in Cabo Rojo Municipio: see the list Source: HUD

Cities

Other cities in Cabo Rojo Municipio

These cities are also in Cabo Rojo Municipio. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Cabo Rojo Municipio Housing in Puerto Rico

Nearby cities

The cities closest to Puerto Real, with the typical home value.

Neighboring counties

If Cabo Rojo Municipio is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Puerto Real.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Puerto Real

Short answers with the numbers for Puerto Real and all of Cabo Rojo Municipio. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Puerto Real?

The typical home value in Puerto Real is $111,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cabo Rojo Municipio it is $124,800.

What is the FHA loan limit in Puerto Real?

Puerto Real uses the FHA limit for all of Cabo Rojo Municipio (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

Where can I find free help to buy or rent in Puerto Real?

We found no HUD-approved counseling agencies with an office in Cabo Rojo Municipio; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026).